Creating Financial Harmony in Your Relationship

In most relationships, couples exhibit two different financial personalities – to differing degrees, of course.One partner is the Saver who, given the choice, would opt to put most of their earnings in the bank, is cautious with spending and very aware of how much things cost. Money is saved for a rainy day; credit cards are 100% paid off each month. This person is more anxious about finances.The other partner is the Spender who is more carefree about money. This person assumes things will work out and feels fine spending whatever they have; credit may even be treated as income. This partner is more daring about finances.In a healthy relationship, the two personalities balance each other out. He's thankful that she's good with money and admires her ability to use coupons, save and stretch the income. She knows without her husband she probably would never enjoy the finer things in life like vacations and nice jewelry. She helps him save and he helps her splurge. They don't blame each other for their differences; they try to use them for their benefit, to complement each other.However, in an unhealthy relationship, he becomes angry and views her as tight. He secretly spends money without telling her to get his way. She is angry that he spends money without discussing it first so she secretly puts money away in a separate banking account to make sure they have a backup. Both of these actions are considered financial infidelity, and if the differences are allowed to continue, they will go unresolved and result in the breakdown of the relationship.Who is the Saver and who is the Spender in your household? How can you use this to your advantage?